FinWise Bancorp

FINW

FINWFinWise Bancorp US flag

NASDAQ Global Market

13.42

USD

-0.23

- -

183.93MMarket Cap

Income Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	34	42	80	89	77	82	129
+ Sales & Services Revenue	34	42	80	89	77	82	129
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	12	17	22	24	26	35	42
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-12	-17	-22	-24	-26	-35	-42
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-13	-15	-42	-36	-24	-17	-22
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-13	-15	-42	-36	-24	-17	-22
Pretax Income	13	15	42	36	24	17	22
- Income Tax Expense (Benefit)	3	4	11	11	6	4	6
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	10	11	32	25	17	13	16
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	10	11	32	25	17	13	16
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	10	11	32	25	17	13	16
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	10	11	32	25	17	13	16
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	1	1	2	4	5	5
EBITDA Margin (%)	1.36	2.41	1.3	2.37	4.97	6.45	3.76
EBITA	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	28.57	26.62	39.57	28.29	22.79	15.53	12.44
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	- -	1	1	2	4	5	5
Basic Weighted Avg Shares	12	8	9	13	12	13	13
Basic EPS, GAAP	0.79	1.37	3.64	1.97	1.4	1.01	1.25
Basic EPS from Cont Ops	0.79	1.37	3.64	1.97	1.4	1.01	1.25
Diluted Weighted Avg Shares	12	9	9	13	13	13	14
Diluted EPS, GAAP	0.79	1.31	3.47	1.88	1.35	0.96	1.19
Diluted EPS from Cont Ops	0.79	1.31	3.47	1.88	1.35	0.96	1.19

Balance Sheet (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	35	47	86	101	117	139	163
+ Cash & Cash Equivalents	35	47	86	101	117	109	163
+ ST Investments	- -	- -	- -	- -	- -	30	- -
+ Accounts & Notes Receiv	1	2	2	11	44	83	86
+ Accounts Receivable, Net	1	2	2	2	4	4	4
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	9	41	79	82
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-36	-49	-87	-112	-161	-222	-249
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	1	1	3	15	19	17	18
+ Property, Plant & Equip	2	2	5	17	23	24	27
- Accumulated Depreciation	1	1	1	2	4	6	9
+ LT Investments & Receivables	4	6	17	19	20	50	9
+ LT Investments	4	6	17	19	20	50	9
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-5	-7	-21	-34	-39	-67	-27
+ Total Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-5	-7	-21	-34	-39	-67	-27
Total Assets	177	318	380	401	586	746	977
+ Payables & Accruals	- -	1	- -	1	2	6	3
+ Accounts Payable	- -	- -	- -	- -	1	1	3
+ Accrued Taxes	- -	1	- -	1	2	4	1
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	-1	- -	-1	-2	-6	-3
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	-1	- -	-1	-2	-6	-3
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	101	1	7	6	5	4
+ LT Borrowings	- -	101	1	- -	- -	- -	- -
+ LT Finance Leases	- -	- -	- -	7	6	5	4
+ Other LT Liabilities	- -	-101	-1	-7	-6	-5	-4
+ Accrued Liabilities	- -	- -	- -	- -	1	1	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-101	-1	-7	-7	-6	-4
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	144	272	265	260	431	572	784
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	15	17	55	55	51	57	61
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	15	17	55	55	51	57	61
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	18	29	61	86	104	117	132
+ Other Equity	- -	- -	- -	- -	- -	- -	- -
Equity Before Minority Interest	33	46	115	140	155	174	193
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	33	46	115	140	155	174	193
Total Liabilities & Equity	177	318	380	401	586	746	977
Shares Outstanding	12	12	13	13	12	13	14
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	7	6	5	4
Net Debt	-35	54	-85	-100	-117	-109	-163
Net Debt to Equity	-105.09	116.9	-73.37	-71.38	-75.32	-62.8	-84.58
Tangible Common Equity Ratio	18.69	14.45	30.36	35.05	26.45	23.29	19.77
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	10	11	32	25	17	13	16
+ Depreciation & Amortization	- -	1	1	2	4	5	5
+ Non-Cash Items	-16	6	-46	37	-9	-32	-46
+ Stock-Based Compensation	2	2	2	1	2	2	4
+ Deferred Income Taxes	- -	- -	-1	1	2	- -	-3
+ Asset Impairment Charge	- -	- -	1	2	- -	-1	1
+ Other Non-Cash Adj	-18	5	-47	34	-13	-34	-47
+ Chg in Non-Cash Work Cap	-2	1	4	-3	- -	-1	-4
+ (Inc) Dec in Accts Receiv	- -	-1	- -	- -	-2	- -	- -
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	1	1	1
+ Inc (Dec) in Other	-2	2	4	-3	1	-2	-5
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	-8	20	-9	61	12	-15	-28
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-2	-7	-7	-5	-6
+ Acq of Fixed Prod Assets	-1	-1	-2	-7	-7	-5	-6
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	36	-1	-5	- -	- -
+ Increase in Capital Stock	- -	- -	36	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	-1	-5	- -	- -
+ Net Change in LT Investment	- -	-1	-10	-3	-1	-27	111
+ Dec in LT Investment	- -	- -	1	2	2	3	111
+ Inc in LT Investment	- -	-2	-10	-5	-3	-30	- -
+ Net Cash From Acq & Div	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-29	-128	36	-26	-144	-101	-233
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-29	-130	24	-36	-153	-132	-127
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	101	-100	-1	- -	- -	- -
+ Cash From Debt	- -	116	6	- -	- -	- -	- -
+ Repayments of Debt	- -	-15	-106	-1	- -	- -	- -
+ Other Financing Activities	46	22	88	-9	162	140	210
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	46	123	23	-11	157	140	210
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	9	13	38	15	16	-8	54
EBITDA	- -	1	1	2	4	5	5
EBITDA Margin (%)	1.36	2.41	1.3	2.37	4.97	6.45	3.76
Free Cash Flow	-8	19	-12	54	5	-20	-34
Net Cash Paid for Acquisitions	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	-8	19	-12	54	5	-20	-34
Free Cash Flow to Equity	- -	120	-112	53	5	-20	-34
Free Cash Flow per Basic Share	-0.69	2.32	-1.33	4.24	0.38	-1.58	-2.67
Price/Free Cash Flow	- -	- -	-18.21	1.81	9.37	-20.94	-10.74
Cash Flow to Net Income	-0.82	1.75	-0.29	2.43	0.7	-1.18	-1.77
Capital Expenditures	-1	-1	-2	-7	-7	-5	-6